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November 2023 Client Newsletter

Hello Again! 

First Some Announcements: 

  • When you have a minute come join us for an in-depth conversation about all things financial on the Your Investment Partners Podcast. Recent Episodes Include:
    1. Planning Your Legacy: A Guide to Wealth Transition and Beneficiary Management
    2. Navigating Financial Waters: The Power of Diversification
      • As always please subscribe, rate, and share!
      • To Listen Through Apple Podcasts Click Here   
      • To Listen Online Click Here 
  • Recent Blog Posts include: 
    1. Key Questions to Plan Your Best Retirement
    2. A New Way to Think About Retirement: Planning with Today in Mind
      • To read visit: Click Here  
  • 401(k) Management
    1. Would you like us to manage your retirement plan, for example your 401(k), on your behalf?  We now have a solution to connect select retirement plan providers.  An advantage is comprehensive account management and asset allocation, so all your pieces are working together.  If this applies to you, reply to this email, or give us a call and let’s talk! 
  • New Monthly Guide

    1. We have a new flow chart to help with your emergency fund. If you have questions, please reach out!  


  • Secure File Upload
    1. Need to send us a file securely?
      • Go to: https://ascendinvestment.com/resources/secure-file-upload
      • Password: 40642 

End of year planning questions:

           Now is a great time to review your spending habits over the previous year.   Remember, your money should work for you and not the other way around.  Here are three simple questions to help check your money habits.  

What was my favorite and least favorite purchase this year? 

This is a fun question because it can quickly reveal what you enjoy!  Big or small, these purchases are usually surrounded by stories and memories.  Some examples may include a family vacation or a good book.  You never know what the highlight is going to be, but we suggest focusing in on how you spend your money to improve your life.   

Am I using my funds to build the life I want? 

It is easy to fall into the habit of just spending money without moving in the direction you want to go.  For example, you may have a goal to lose weight, but you keep going out to eat every day.  Your spending habits should align with your goals.  Review the life you have and see where there is a mismatch and work on spending your money to build the life you want.  Who knows, maybe you will choose to sell the house, move into an RV, and travel.   Don’t be surprised, we have seen it before! 

What will happen to my funds after I am gone? 

At the end of the year it is good to review what will happen after you are gone.  Double check beneficiary information, review your estate documents, that they are still in line with your life, pull out insurance documents and see that they are still needed.  Spending a little bit of time to review may help give you peace of mind that everything is in order.   

Thank you again for choosing to work with us.   And as questions arise, please reach out, we are ready to help!




Garrett G. Smith

Financial Advisor

Ascend Investment Partners


Paul M. Norman, CFP®

Senior Financial Advisor

Ascend Investment Partners





214 South Main Street

Logan, UT 84321

Tel: 801-476-1200

Fax: 801-476-1207



175 Historic 25th Street

Ogden, UT 84401

Tel: 801-476-1200

Fax: 801-476-1207 


Ascend Investment Partners is not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.   

Ascend Investment Partners did not assist in the preparation of this report, and its accuracy and completeness are not guaranteed. The opinions expressed in this report are those of the author(s) and are not necessarily those of Ascend Investment Partners or its affiliates. The material has been prepared or is distributed solely for information purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy.